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Privacy Policy

At Capon Valley Bank your personal privacy is paramount and will not be compromised. Whether you are considering a banking relationship with us or already have established one, we recognize you have concerns about the collection, retention and use of your personal information.

The Types Of Information We Collect:

We routinely collect and retain the information we obtain from your account applications, transaction history (for deposits, loans, credit cards, etc.) and from consumer reports. This information helps us:

To establish and administer your accounts. (Example: We ask for personally identifying information to protect your accounts from fraud.)

To adhere to certain regulatory requirements. (Example: When you open an account that pays interest, we are required by the Internal Revenue Service to obtain your Social Security Number.)

To better understand you so that we may provide you with additional or improved products and services. (Example: We require information concerning your credit history and your assets to determine if you qualify for loan approval.)

We do not share our current or previous customers' nonpublic personal information with affiliates or with nonaffiliated third parties except as permitted or required by law.

Access to this nonpublic personal information about customers is restricted to only those employees who need to know that information in order to provide products or services to customers. The bank maintains physical, electronic and procedural safeguards in compliance with federal regulations to guard such nonpublic personal information.

Any questions or concerns about our Privacy Policy may be directed to Capon Valley Bank, 2 West Main Street, Wardensville, WV 26851, or by calling (304) 874-3531.

Privacy Notice

Facts

WHAT DOES CAPON VALLEY BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and income

Account balances and transaction history

Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Capon Valley Bank chooses to share; and whether you can limit this sharing.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These messages include computer safeguards and secured files and buildings.

Access to your personal information is restricted to only those employees who need to know in order to provide products or services.

How does Capon Valley Bank collect my personal information?

We collect your personal information, for example, when you

Open an account or make deposits/withdrawals from your account

Apply for a loan or pay your bills online

We also collect your personal information from others, such as consumer reporting agencies, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

Sharing for affiliates’ everyday business purposes—information about your creditworthiness

Affiliates from using your information to market to you

Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Capon Valley Bank may share with subsidiaries of Highlands Bankshares, Inc. (the holding company that owns Capon Valley bank) as permitted or required by law.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Capon Valley Bank does not share with nonaffiliates.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Capon Valley Bank does not share with nonaffiliates so they can market to you.